How to Find Cheap Ford Fusion Insurance Quotes

Average Ford Fusion auto insurance rates cost $124 per month ($1,492 per year). Mature drivers with good driving records may find rates as low as $877 a year.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 16, 2021

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Key takeaways:

  • Full coverage costs around $1,492 a year or $124 each month
  • A liability-only policy costs around $599 a year or $50 each month
  • Highest rates are for teenage drivers at around $5,453 a year or $454 each month
  • Good drivers can save as much as $615 a year by earning policy discounts
  • Ford Fusion insurance costs around $27 less per year than the average vehicle

Finding reasonable Ford Fusion insurance rates doesn’t have to be hard. Full coverage for a Ford Fusion costs around $1,492 a year or $124 each month. Our comprehensive guide explains the factors that go into average rates for a Ford Fusion, so you can better understand what you should be paying for Ford Fusion insurance.

You can start comparing quotes for Ford Fusion car insurance rates from some of the best car insurance companies by using our free online tool now.

Ford Fusion Insurance Cost

The average Ford Fusion auto insurance rates are $1,492 a year or $124 a month.

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Are Ford Fusions Expensive to Insure?

The chart below details how Ford Fusion insurance rates compare to other sedans like the Audi A3, Nissan Altima, and Subaru WRX.

Vehicle Comprehensive Collision Liability Total
Ford Fusion $336 $626 $372 $1,492
Audi A3 $282 $566 $398 $1,404
Nissan Altima $306 $570 $390 $1,424
Subaru WRX $320 $566 $338 $1,360
Chevrolet Cruze $308 $594 $372 $1,432
Kia Forte $322 $500 $372 $1,352
Subaru Impreza $320 $542 $390 $1,410
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However, there are a few things you can do to find the cheapest Ford insurance rates online.

What Impacts the Cost of Ford Fusion Insurance?

The Ford Fusion trim and model you choose can impact the total price you will pay for Ford Fusion insurance coverage.

Age of the Vehicle

Older Ford Fusion models generally cost less to insure. For example, auto insurance for a 2020 Ford Fusion costs $1,492, while 2010 Ford Fusion insurance costs are $1,202, a difference of $290.

Model Year Comprehensive Collision Liability Total
2020 Ford Fusion $336 $626 $372 $1,492
2019 Ford Fusion $320 $600 $390 $1,468
2018 Ford Fusion $306 $596 $398 $1,458
2017 Ford Fusion $296 $582 $416 $1,452
2016 Ford Fusion $286 $558 $430 $1,432
2015 Ford Fusion $270 $538 $442 $1,408
2014 Ford Fusion $260 $500 $452 $1,370
2013 Ford Fusion $250 $470 $456 $1,334
2012 Ford Fusion $240 $422 $460 $1,280
2011 Ford Fusion $224 $388 $460 $1,230
2010 Ford Fusion $216 $364 $464 $1,202
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Driver Age

Driver age can have a significant effect on Ford Fusion car insurance rates. For example, 30-year-old drivers pay $66 more for Ford Fusion car insurance than 40-year-old drivers.

Driver Location

Where you live can have a large impact on Ford Fusion insurance rates. For example, drivers in Houston may pay $1,100 a year more than drivers in Columbus.

Your Driving Record

Your driving record can have an impact on your Ford Fusion auto insurance rates. Teens and drivers in their 20’s see the highest jump in their Ford Fusion car insurance with violations on their driving record.

Ford Fusion Safety Ratings

Your Ford Fusion auto insurance rates are tied to the Ford Fusion’s safety ratings. See the breakdown below:

Test Type Rating
Small overlap front: driver-side Good
Small overlap front: passenger-side Good
Moderate overlap front Good
Side Good
Roof strength Good
Head restraints and seats Not Tested
Source: Insurance Institute for Highway Safety
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Ford Fusion Crash Test Ratings

Ford Fusion crash test ratings can impact your Ford Fusion car insurance rates. See Ford Fusion crash test results below:

Vehicle Tested Overall Frontal Side Rollover
2020 Ford Fusion HEV 4 DR FWD 5 stars 4 stars 5 stars 4 stars
2020 Ford Fusion Energi 4 DR FWD N/R N/R N/R 4 stars
2020 Ford Fusion 4 DR FWD 5 stars 4 stars 5 stars 4 stars
2020 Ford Fusion 4 DR AWD 5 stars 4 stars 5 stars 4 stars
2019 Ford Fusion Hybrid 4 DR FWD 5 stars 4 stars 5 stars 4 stars
2019 Ford Fusion Energi 4 DR FWD N/R N/R N/R 4 stars
2019 Ford Fusion 4 DR FWD 5 stars 4 stars 5 stars 4 stars
2019 Ford Fusion 4 DR AWD 5 stars 4 stars 5 stars 4 stars
2018 Ford Fusion Hybrid 4 DR FWD 5 stars 4 stars 5 stars 4 stars
2018 Ford Fusion Energi 4 DR FWD N/R N/R N/R 4 stars
2018 Ford Fusion 4 DR FWD 5 stars 4 stars 5 stars 4 stars
2018 Ford Fusion 4 DR AWD 5 stars 4 stars 5 stars 4 stars
2017 Ford Fusion Hybrid 4 DR FWD 5 stars 4 stars 5 stars 4 stars
2017 Ford Fusion Energi 4 DR FWD N/R N/R N/R 4 stars
2017 Ford Fusion 4 DR FWD 5 stars 4 stars 5 stars 4 stars
2017 Ford Fusion 4 DR AWD 5 stars 4 stars 5 stars 4 stars
2016 Ford Fusion Hybrid 4 DR FWD 5 stars 5 stars 4 stars 4 stars
2016 Ford Fusion Energi 4 DR FWD 5 stars 5 stars 5 stars 4 stars
2016 Ford Fusion 4 DR FWD 5 stars 5 stars 4 stars 4 stars
2016 Ford Fusion 4 DR AWD 5 stars 5 stars 4 stars 4 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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Ford Fusion Safety Features

Ford Fusion safety features can lower the cost of your insurance. The safety features for the 2020 Ford Fusion include:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Daytime Running Lights
  • Child Safety Locks
  • Traction Control
  • Blind Spot Monitor
  • Lane Departure Warning
  • Lane Keeping Assist
  • Cross-Traffic Alert

Ford Fusion Insurance Loss Probability

The lower percentage means lower Ford Fusion auto insurance rates; higher percentages mean higher Ford Fusion car insurance rates. The Ford Fusion’s insurance loss probability varies for each form of coverage.

Insurance Coverage Category Loss Rate
Collision 10%
Property Damage -5%
Comprehensive 8%
Personal Injury 16%
Medical Payment 11%
Bodily Injury 5%
Source: Insurance Institute for Highway Safety
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Ford Fusion Finance and Insurance Cost

If you are financing a Ford Fusion, you will pay more if you purchase Ford Fusion auto insurance at the dealership, so be sure to shop around and compare Ford Fusion auto insurance quotes from the best companies using our FREE tool below.

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Ways to Save on Ford Fusion Insurance

Although it may seem like your Ford Fusion car insurance rates are set, there are a few measures that you can take to secure the best Ford Fusion car insurance rates possible. Take a look at the following five ways to save on Ford Fusion auto insurance.

  • Tell Your Insurer How You Use Your Ford Fusion
  • Ask About Farm and Ranch Vehicle Discounts
  • Buy An Older Ford Fusion
  • Choose a Ford Fusion with Cheaper Repair Costs
  • Don’t Skimp On Ford Fusion Liability Coverage

Top Ford Fusion Insurance Companies

The best auto insurance companies for Ford Fusion car insurance rates will offer competitive rates, discounts, and account for the Ford Fusion’s safety features. The following list of car insurance companies outlines which companies hold the highest market share.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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Compare Free Ford Fusion Insurance Quotes Online

You can start comparing quotes for Ford Fusion insurance from some of the top car insurance companies by using our free online tool today.

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